Personal Loans

Consumer Loan Application

Important Requirements

In order to apply for a consumer loan on-line you must meet the following requirements:

Borrowers must be at least 18 years of age.

Borrowers must have valid Social Security Numbers.

Borrowers must reside in our market area. Our market area is within a 25-mile radius of our branches.

This requirement does not apply if you do not currently reside in our market area, but have plans to relocate to our market area. If this is the case, submit your application, then use the contact us form to let us know about your plans (be sure to reference your confirmation number).

What to Expect

We estimate that it will take 15-20 minutes to complete this application.

You cannot save a partially completed application. So, it is important that you allow enough time to complete the application entirely. If you can’t spend that much time right now, we suggest that you end the application process and try again when you have more time.

Once you submit a complete application, we will contact you if we need any further information to make our credit decision.

Information You Will Need

Before you begin your application, decide what type of consumer loan you are interested in, then collect the following information and have it ready when you complete the application.

Full name and address of the applicants.

Valid Social Security Numbers for the applicants.

Current employer information, including years of service and the employer address and phone number, for the applicants. If an applicant has been with their current employer for less than three years, he/she will need this information for their prior employer also.

Monthly income data for the applicants.

Approximate current bank account balances for the applicants.

Balance and payment information on other outstanding loans (including credit and store cards) for the applicants.

Is this an individual or joint loan? * Required

Individual

Joint

Tell Us About Yourself

Primary Borrower

First Name * Required

MI

Last Name * Required

Date of Birth * Required

mm/dd/yyy

Social Security # * Required

Email * Required

Enter EmailConfirm Email

Address * Required

City * Required

State * Required

Zip * Required

Home Phone * Required

Length at Current Address

Ex: 1 Year, 6 months

Previous Address

If less than 3 years at above

Street

City

State

Zip

Mailing Address

If different than above

Street

City

State

Zip

Co-Borrower

Check to use Primary Borrower address info

Check to use Primary Borrower address info

First Name * Required

MI

Last Name * Required

Date of Birth * Required

mm/dd/yyyy

Social Security # * Required

Email * Required

Enter EmailConfirm Email

Address

City

State

Zip

Home Phone * Required

Length at Current Address

Ex: 1 Year, 6 months

Tell us About Your Housing

Primary Borrower

Do you rent or own your home? * Required

Own

Rent

Monthly Rent/Mortgage Payment * Required

(include real estate taxes)

Bank/Institution Name

Co-Borrower

If the co-borrower resides in the same home as the primary borrower, please skip to TELL US ABOUT YOUR INCOME.

Do you rent or own your home?

Own

Rent

Monthly Rent/Mortgage Payment

(include real estate taxes)

Bank/Institution Name

Tell us About Your Income

Primary Borrower

Employment Status * Required

Currently Employed

Not Currently Employed

Self Employed

Retired

Current Employer * Required

Current Job Title * Required

Length of Employment * Required

Ex: 1 year, 6 months

Work Address

Street Address (no P.O. boxes) * Required

City * Required

State * Required

Zip * Required

Work Phone * Required

Base Gross Monthly Employment Income * Required

No commas

Other Monthly Income

No commas

Description of Other Income

Total Gross Monthly Income * Required

No commas

Note: Alimony, child support, or separate maintenance income need not be revealed if the Primary Borrower does not choose to have it considered for repaying this credit.

Former Employer

(if less than 3 years at present employer)

Former Job Title

Former Work Address

Street Address (no P.O. boxes)

City

State

Zip

Length of Employment with Former Employer

Ex: 1 year, 6 months

Work Address

Co-Borrower

Employment Status * Required

Currently Employed

Not Currently Employed

Self Employed

Retired

Current Employer

Current Job Title

Length of Employment

Ex: 1 year, 6 months

Work Address

Street Address (no P.O. boxes)

City

State

Zip

Work Phone

Base Gross Monthly Employment Income

No commas

Other Monthly Income

No commas

Description of Other Income

Total Gross Monthly Income

No commas

Note: Alimony, child support, or separate maintenance income need not be revealed if the Primary Borrower does not choose to have it considered for repaying this credit.

Tell us About Your Bank Accounts

Primary Borrower

Do not include commas in balance fields.
All balance fields must be completed.
Enter zero in any balance field that it is not applicable.

Checking Account Balance * Required

Bank/Institution Name

Savings Account Balance * Required

Bank/Institution Name

Co-Borrower

Do not include commas in balance fields.
All balance fields must be completed.
Enter zero in any balance field that it is not applicable.

Checking Account Balance

Bank/Institution Name

Savings Account Balance

Bank/Institution Name

Tell us About Your Credit References

Primary Borrower

Auto Loan Balance * Required

Bank/Institution Name

Credit Card Balance * Required

Bank/Institution Name

Other Loan or Credit Balances * Required

Bank/Institution Name

Co-Borrower

Auto Loan Balance

Bank/Institution Name

Credit Card Balance

Bank/Institution Name

Other Loan or Credit Balances

Bank/Institution Name

Tell us About Your Personal Reference

Primary Borrower

Please provide the following information for the nearest living relative not living with you.

First Name

MI

Last Name

Address

City

State

Zip

Phone

Relationship

Co-Borrower

Please provide the following information for the nearest living relative not living with you.

First Name

MI

Last Name

Address

City

State

Zip

Phone

Relationship

Loan Information

Loan Amount Requested * Required

No commas

Loan Term (no. of monthly payments) * Required

Loan Purpose * Required

Purchase an Automobile, Truck, RV or Boat

Home Improvement

Other

Loan Collateral * Required

Other Questions

Primary Borrower

Were you ever bankrupt or had any judgments, liens, or legal proceeding against you? * Required

Yes

No

Co-Borrower

Were you ever bankrupt or had any judgments, liens, or legal proceeding against you? * Required

Yes

No

If your loan is approved, which branch location is most convenient for you to pick up your proceeds and sign the loan documentation?

Required Certification and Disclosure

I (we) certify that the information stated in this on-line application is complete and accurate, and has been furnished by me (us) knowing that you intend to rely on it in considering my (our) on-line application. I (we) understand that you may request a consumer report in connection with this on-line application and for purposes of updating, renewing or extending further credit, and, if I (we) ask, I (we) will be informed whether or not such a report was requested and, if so, the name and address of the consumer reporting agency that furnished the report. I (we) also authorize you to check my (our) employment history and to exchange account and credit information about me (us) with anyone who may ask, or with anyone who may ask you.

Agree to Statement * Required

I(we) certify that I(we) have read and understand the above statement

Disclosures

These disclosures are required by law because you are applying for credit from a bank. You must indicate that you have read and understand these disclosures before you can submit your application:

We may not condition an extension of credit on either your purchase of insurance or annuities from the bank or our affiliates or your agreement not to obtain, or a prohibition on you from obtaining, insurance or annuities from a person or company that is not affiliated with the bank;

The insurance or annuities are not a deposit or other obligation of, or guaranteed by, the bank or our affiliates;

The insurance or annuities are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the bank, or our affiliates; and

There is investment risk associated with annuities and life insurance, including the possible loss of value.

Agree to Disclosure * Required

I(we) certify that I(we) have read and understand the above disclosures